Compare tracker mortgages to find the best deals for you

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1642 Total reviews

4.84 Average rating

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Tracker mortgages are also known as variable or discount rate mortgages. The rate of interest charged can move up or down, following the Bank of England base rate. Our tool below allows you to compare thousands of deals to find cheapest tracker mortgages and the best rates for you.

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We recommend you sort by True Cost Comparison find out more

We recommend you sort by True Cost Comparison

We suggest you use our ‘True Cost Comparison’ filter. This allows you to accurately understand how different mortgages compare by ordering results based on the total cost over a ‘deal period’, such as a two, or five-year fixed rate mortgage.

Some low interest rate deals might seem attractive, but if fees are higher they might not be the best value for you. When comparing mortgage deals our true cost comparison factors the lender fees over the length of the deal as well as your monthly mortgage payments.

For example, if your repayments are £2,000 per month on a two-year fixed-rate mortgage, plus £500 in lender fees, the total cost of the deal is £48,500.

We've found 82 mortgage deals that match your search

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Scheme ID 33028
Initial rate 1.44% then 4.19% (variable) ?
Monthly repayments £ 1,037 ?
Type/Duration Variable ?
Scheme fees £1,016 ?
Cost comparison £25,916 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.44%, and then on a variable rate for 23 years at 4.19%. This would require 24 payments of £1,037.48 and 276 payments of £1,376.78. The total amount payable would be £405,907 made up of the loan amount plus interest (£143,641) and fees (£1,016 which includes exit fees of £0). The overall cost for comparison is 3.80% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 44698
Initial rate 1.45% then 4.24% (variable) ?
Monthly repayments £ 1,039 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £25,604 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £350

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 1% until 31-01-21, 0.5% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years and 2 months at 1.45%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,038.71 and 274 payments of £1,381.06. The total amount payable would be £406,092 made up of the loan amount plus interest (£143,817) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.81% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 44702
Initial rate 1.47% then 4.24% (variable) ?
Monthly repayments £ 1,041 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £25,663 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £350

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1% until 31-01-21, 0.5% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years and 2 months at 1.47%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,041.16 and 274 payments of £1,381.32. The total amount payable would be £406,227 made up of the loan amount plus interest (£143,952) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.81% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 44701
Initial rate 1.47% then 4.24% (variable) ?
Monthly repayments £ 1,041 ?
Type/Duration Variable ?
Scheme fees £1,025 ?
Cost comparison £25,663 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £350

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1% until 31-01-21, 0.5% until 31-01-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years and 2 months at 1.47%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,041.16 and 274 payments of £1,381.32. The total amount payable would be £406,227 made up of the loan amount plus interest (£143,952) and fees (£1,025 which includes exit fees of £0). The overall cost for comparison is 3.81% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 24160
Initial rate 1.49% then 4.24% (variable) ?
Monthly repayments £ 1,044 ?
Type/Duration Variable ?
Scheme fees £1,354 ?
Cost comparison £26,401 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 0.7% in year 1, 0.5% in year 2

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.49%, and then on a variable rate for 23 years at 4.24%. This would require 24 payments of £1,043.61 and 276 payments of £1,384.07. The total amount payable would be £408,404 made up of the loan amount plus interest (£145,800) and fees (£1,354 which includes exit fees of £0). The overall cost for comparison is 3.87% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 24398
Initial rate 1.49% then 4.24% (variable) ?
Monthly repayments £ 1,044 ?
Type/Duration Variable ?
Scheme fees £1,354 ?
Cost comparison £26,401 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 0.7% in year 1, 0.5% in year 2

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.49%, and then on a variable rate for 23 years at 4.24%. This would require 24 payments of £1,043.61 and 276 payments of £1,384.07. The total amount payable would be £408,404 made up of the loan amount plus interest (£145,800) and fees (£1,354 which includes exit fees of £0). The overall cost for comparison is 3.87% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 20689
Initial rate 1.54% then 4% (variable) ?
Monthly repayments £ 1,050 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £26,228 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £225
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.54%, and then on a tracker rate for 23 years at 4%. This would require 24 payments of £1,049.75 and 276 payments of £1,352.74. The total amount payable would be £399,809 made up of the loan amount plus interest (£137,525) and fees (£1,259 which includes exit fees of £225). The overall cost for comparison is 3.67% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 33311
Initial rate 1.54% then 4.19% (variable) ?
Monthly repayments £ 1,050 ?
Type/Duration Variable ?
Scheme fees £1,016 ?
Cost comparison £26,210 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.54%, and then on a variable rate for 23 years at 4.19%. This would require 24 payments of £1,049.75 and 276 payments of £1,377.99. The total amount payable would be £406,535 made up of the loan amount plus interest (£144,269) and fees (£1,016 which includes exit fees of £0). The overall cost for comparison is 3.82% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 14077
Initial rate 1.59% then 4.99% (variable) ?
Monthly repayments £ 1,056 ?
Type/Duration Variable ?
Scheme fees £999 ?
Cost comparison £26,341 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 70%
Overpayments allowed? Yes
Early Repayment charges 2% in year 1, 1% in year 2

Other info

Exit fees £50
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.5899999999999999%, and then on a variable rate for 23 years at 4.99%. This would require 24 payments of £1,055.92 and 276 payments of £1,487.72. The total amount payable would be £437,002 made up of the loan amount plus interest (£174,753) and fees (£1,049 which includes exit fees of £50). The overall cost for comparison is 4.50% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Scheme ID 18171
Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £ 1,056 ?
Type/Duration Variable ?
Scheme fees £1,034 ?
Cost comparison £26,376 ?

Fees & Charges

Booking fees £0
Arrangement fees £0
Valuation fees £0
Other fees £0
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £80
Basic legals £0

Representative example: A mortgage of £261,250 payable over 25 years on a repayment basis, initially on a tracker rate for 2 years at 1.5899999999999999%, and then on a tracker rate for 23 years at 4.24%. This would require 24 payments of £1,055.92 and 276 payments of £1,385.28. The total amount payable would be £408,793 made up of the loan amount plus interest (£146,509) and fees (£1,114 which includes exit fees of £80). The overall cost for comparison is 3.88% APRC representative.

Speak to a mortgage expert on 0344 346 3672 or Enquire now

View more mortgages

When choosing the best tracker mortgage, expertise counts

Many of the tracker mortgage rates that you can find with our comparison tool are only available through independent brokers like John Charcol. When you’ve found a mortgage tracker rate that you think is right for you, call our experts so they compare it against thousands of mortgage products in the market. 

It's important to remember that the best deals aren’t necessarily the cheapest tracker mortgages. When you choose John Charcol, our experts will help you by researching the market and recommending the best tracker mortgages based on the criteria that you tell us.   

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